JOHAN; NAINGGOLAN, N. P. . Effect of e-service quality, consumer trust, and brand image on the loyalty of BCA m-banking users. Journal of Management Science (JMAS), [S. l.], v. 8, n. 3, p. 620–627, 2025. Disponível em: https://exsys.iocspublisher.org/index.php/JMAS/article/view/716. Acesso em: 30 may. 2026.